Legal analysis: whether a person's loan after marriage belongs to the joint property of husband and wife depends on whether the loan is used for the expenses of living together. If the loan has been used in husband and wife's life, it belongs to husband and wife's debt, and both husband and wife need to repay it with husband and wife's property. But ... if the loan is not used for the life of both husband and wife, it belongs to the personal debt of one husband and wife, so both husband and wife don't need to repay it with marital property, only need to repay it with personal property.

Legal basis: Article 1062 of the Civil Code of People's Republic of China (PRC), the following property acquired by husband and wife during the marriage relationship is the common property of husband and wife and belongs to them:

(1) Wages, bonuses and remuneration for labor services;

(2) Income from production, operation and investment;

(3) Income from intellectual property rights;

(4) Inherited or donated property, except as provided for in Item 3 of Article 1063 of this Law;

(five) other property that should be owned by * * *.

Husband and wife have equal rights to dispose of the same property.